🌏 We Speak Your Language: English • नेपाली • हिंदी
Helping Australians Buy, Refinance, and Invest with Confidence
Compare 50+ lenders in one free consultation. Get personalised guidance in English, Nepali and Hindi from an Award-Winning mortgage broker trusted by 1,000+ Australian families since 2015.
Our Lender Panel
Access to 50+ Leading Lenders
We compare hundreds of products to find the suitable deal for you.
Our Services
Home Loan Services Across Australia
We provide extensive assistance for all your home loan and financing requirements. Regardless of your situation, our skilled team is dedicated to identifying the right options for you.
Specialist no LMI lending for doctors, dentists, registered nurses, midwives, allied health, lawyers, accountants and finance professionals. Borrow up to 95% with no LMI on eligible roles.
First Home Guarantee with a 5% deposit and no LMI, and the Family Home Guarantee for single parents with a 2% deposit and no LMI. Property price caps apply by location and eligibility criteria must be met.
Investment loans for first time investors and growing portfolios. 10% deposit options available with select lenders. Interest only or principal and interest, structured for tax effectiveness.
Let's get you your dream house
We would love to hear about your goals and help you achieve them. Book a free consultation session or call us.
Real Client Success Stories
How everyday Australians achieved their property goals
See how we helped first home buyers, investors, nurses, IT professionals, and families across Australia secure the right loan solutions in English, Nepali, and Hindi.
Buys First Home in Sydney
Melbourne Family Saves Thousands
IT Contractor Builds Portfolio
Buy Investment Property
How It Works
Your Home Loan Journey, Simplified
From first conversation to settlement, we make the process stress-free.
Free Consultation
We understand your goals, income, savings, and property plans. Speak in English, Nepali, or Hindi whichever you prefer.
Loan Comparison
We compare 50+ banks and lenders and recommend the loan that best fits your situation, goals, and budget.
Application & Approval
We handle all paperwork, manage the application, liaise with the lender, and keep you updated at every step.
Settlement & Beyond
We coordinate with solicitors and the lender to settle your loan on time. You receive your keys, Congratulations.
Recognition
Awards & Achievements
Consistently recognised for outstanding service and professional excellence across Australia.
Settlement Stories
Client Reviews
Insights
Professional Mortgage Guidance
Stay informed with the latest home loan tips, market updates, and guides in English, Nepali & Hindi.
Why Banks Reject Home Loans…
Getting knocked back on a home loan is one of the more deflating experiences in…
How Banks Calculate Your Borrowing…
Two people earning the same salary can walk into different banks and receive very different…
5 Costly Mistakes First Home…
Buying your first home is one of the most significant financial decisions you will ever…
FAQ's
Frequently asked questions
Frequently asked questions related to loans and service process
Who are Laxmi Home Loans and why should you use them?
Laxmi Home Loans is an Australian mortgage brokerage helping clients across all states and territories secure suitable home loans. The business has been operating since 2015 and works with 50 plus banks and lenders, including major banks and specialist lenders.
What government support is available for first home buyers in Australia?
The Australian Government and state governments offer a range of schemes and grants to help eligible buyers enter the property market sooner with a smaller deposit and lower upfront costs. These programs reduce lender risk, remove or reduce LMI, and lower purchase expenses. Below is a plain English guide to each scheme.
What is the difference between a fixed and variable home loan?
A fixed rate locks your repayments for a set period, usually 1 to 5 years. Repayments do not change during the fixed term. This is useful for certainty and budgeting.A variable rate moves with the market. It usually offers more flexibility including unlimited extra repayments, offset accounts and free redraw. If rates fall, repayments reduce.
What is my borrowing capacity and how do I find out?
Borrowing capacity is the maximum amount a lender will approve for your home loan. It is the first question you should answer before looking at any property. Banks assess the following when calculating how much you can borrow.
Should I find a property first or get pre-approval first?
Get pre-approval before you start searching for a property. Pre-approval confirms how much you can borrow, sets your budget and shows sellers and agents that you are a serious buyer. Without pre-approval you are shopping blind. You may bid on properties you cannot afford or miss properties within your range.
What is the biggest mistake first home buyers make?
The most common mistake is using all available savings for the deposit and purchase costs, leaving no financial buffer after settlement. Property ownership comes with immediate ongoing costs including strata levies, council rates, water rates, maintenance and home insurance. Running short of funds immediately after settlement creates financial stress at the worst possible time.
Ready to Find Your Right Home Loan?
Book a free consultation with Kishor today. No cost, no obligation clear advice in your language.